Insurance for Your Mobile Home

As an insurance salesman, I approach insuring mobile homes as homes and not trailers. Manufactured homes are frequently used in our rural areas around Austin in place of more expensive site-built houses. There are other special issues regarding safeguarding your mobile home that are particular to mobile home situations and their rural settings.

Your Home in the Country

One of the reasons to opt for a manufactured home is the cost advantages in a rural area vs. a custom site-built home. Insurance Coverage for Mobile homes

Broad protection is available but often overlooked when insuring a mobile home. Maybe the dealer included the insurance with the home sale with little opportunity for your input. The core coverages are the home and any attached additions, secondary structures, contents, loss of use and liability. The Home - Protecting your home is more than covering the loan. Replacement cost on the primary structure is an important coverage feature that is often not included with mobile home plans. Be sure these additions are included in your estimate to replace your home and increase your home insurance limit as needed.

The Secondary Structures - The banker won't care if your insurance extends to the shed, detached garage or workshop. More than site-built homes, manufactured home owners can have a considerable investment in these added buildings. Unlike insurance for site-built homes that typically automatically extends some coverage for secondary structures, mobile home insurance plans are in "kit form" and this coverage has to be added. Mobile home policies often have only a token amount of contents coverage included. Unlike insurance for site-built homes, a typical policy includes loss of use coverage for a manufactured home as part of the total home insurance limit and not as a coverage extension. Liability Protection - The typical mobile home policy does not include homeowner's liability but it can be added as a separate adjoining contract. Special Risks for Mobile homes

Wildfire - Many homes in Central Texas often are located on rural land. Proper skirting also reduces the risk of a grass fire from impacting your house. Talk to your local fire department about what can be done to improve your wildfire defense and also improve fire equipment access to your property.

Flooding - Manufactured houses can often be found in flood prone areas. Rural Fire Protection - The rural location can include many natural wonders, but often does not include a Professional City Fire Department or close by fire hydrants. Many of the Volunteer Fire Departments provide good help in case of a fire, but won't have equipment or training of the large city fire departments. When you consider your land purchase, understand the fire protection issues including distance from both your first response fire station and your closest fire hydrant.

Windstorm - A manufactured house is more venerable to the impact of strong horizontal winds, hurricanes and tornadoes than most site-built homes. Professional mobile home installation from a state licensed installer is a requirement for insurance. Don't let your home's skirting deteriorate. Mobile home can be a great place to live and can be properly insured. Have your insurance professional review your current mobile home insurance plan and help you make any needed adjustments. Insure your mobile home as a home and not as a trailer by broadening your insurance protection.

A mobile home is more than just a trailer; it is your house. You may live in a traditional mobile home or a more modern manufactured or modular home; this set of home styles has its own special group of needs when it comes to supplies and accessories. Replacement mobile home parts are a key part of any remodeling project. Often the first place that renovations will take place is the bathroom. Mobile home tubs are available in traditional styles, made of plastic or fiberglass and sized such that they conserve space in a potentially small room. Other bathtubs are garden tubs, which are square or near square. The tubs fit nicely in the corner of your bathroom and are still large and comfortable enough for a warm, relaxing bubble bath.

If you are replacing your bathtub, you should be certain not to forget the mobile home faucets as well. Once you have chosen your bathtub and faucets, which may include fixtures for both the tub and the sink, it is time to choose the ideal mobile home shower doors. Sliding and bypass doors are great for smaller bathrooms because they need no extra space for the door to swing out to open. You will have customized your bathroom to meet your own particular tastes and sense of style.

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